Lincoln County, WV Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 408 mortgage applications in Lincoln County, WV totaling $49.6 million, up 7% from 2023. The average application was for $121,000, and applicants reported an average income of $75,000. 37% of applications resulted in an originated loan and 35% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 92 applications, followed by City National Bank of Wv and Credit Human Federal Credit Un.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 408 |
| Total Mortgage Loan Application Amount | $49,600,000 |
| Average Mortgage Loan Application Amount | $121,000 |
| Highest Mortgage Loan Application Amount | $485,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $450,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 92 | $ 9,900,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ n/a | 50 | $ 3,230,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 30 | $ 3,150,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ n/a | 15 | $ 2,585,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 13 | $ 945,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 13 | $ 1,585,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 11 | $ 2,505,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 11 | $ 1,265,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 9 | $ 895,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 9 | $ 1,285,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 8 | $ 1,330,000 |
| Logan Bank and Trust 43 WASHINTON AVE LOGAN, WV 25601 |
* | $ n/a | 8 | $ 1,330,000 |
| Peoples Bank 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ n/a | 8 | $ 590,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ n/a | 7 | $ 825,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 7 | $ 1,285,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 6 | $ 1,440,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 5 | $ 745,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 5 | $ 315,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ n/a | 5 | $ 635,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 5 | $ 615,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 5 | $ 1,175,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 4 | $ 530,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 4 | $ 380,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 4 | $ 780,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 4 | $ 500,000 |
| Putnam County Bank P.O. BOX 308 HURRICANE, WV 25526 |
* | $ n/a | 3 | $ 655,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ n/a | 3 | $ 795,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 3 | $ 425,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 3 | $ 95,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ n/a | 3 | $ 335,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 3 | $ 525,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 270,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 250,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 2 | $ 400,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 290,000 |
| West Virginia Federal Credit Union 318 5TH AVENUE SOUTH CHARLESTON, WV 25303 |
* | $ n/a | 2 | $ 50,000 |
| McNb Bank and Trust Co 75 WYOMING ST WELCH, WV 24801 |
* | $ n/a | 1 | $ 45,000 |
| American Heritage Federal Credit Union 2060 RED LION RD PHILADELPHIA, PA 19115 |
* | $ n/a | 1 | $ 25,000 |
| Universal Federal Credit Union 317 31ST STREET HUNTINGTON, WV 25702 |
* | $ n/a | 1 | $ 25,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 295,000 |
| Homespire Mortgage Corporation FAIRFAX, VA 22031 |
* | $ n/a | 1 | $ 215,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 145,000 |
| The State Credit Union 2200 WASHINGTON STREET, EAST, CHARLESTON, WV 25311 |
* | $ n/a | 1 | $ 235,000 |
| Radiant Credit Union 405 SE 2ND PLACE GAINESVILLE, FL 32606 |
* | $ n/a | 1 | $ 55,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 245,000 |
| Star USA Federal Credit Union ONE CANTLEY DRIVE CHARLESTON, WV 25314 |
* | $ n/a | 1 | $ 65,000 |
| Boxcar Mortgage, LLC 664 SEMINOLE AVE NE #101 ATLANTA, GA 30307 |
* | $ n/a | 1 | $ 105,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ n/a | 1 | $ 205,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 205,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 15,000 |
| Builder Finance Inc 1418 N C AVE SIOUX FALLS, SD 57103 |
* | $ n/a | 1 | $ 205,000 |
| Goprime Mortgage, Inc. 320 N SALEM STREET APEX, NC 27502 |
* | $ n/a | 1 | $ 145,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 105,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 85,000 |
| Raymond James Bank 710 CARILLON PARKWAY SAINT PETERSBURG, FL 33716 |
* | $ n/a | 1 | $ 375,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 135,000 |
| Burke & Herbert Bk & Tr Co 100 S. FAIRFAX ST ALEXANDRIA, VA 22315 |
* | $ n/a | 1 | $ 165,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ n/a | 1 | $ 175,000 |
| Tower Federal Credit Union 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ n/a | 1 | $ 45,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ n/a | 1 | $ 95,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 85,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 225,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 175,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 75,000 |
The tables below break down 2024 mortgage applications in Lincoln County, WV by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Lincoln County, WV in 2024
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 273 | $37,995,000 | $139,000 | $485,000 | $75,000 | $450,000 |
| Refinancing | 38 | $4,000,000 | $105,000 | $305,000 | $72,000 | $160,000 |
| Cash-out Refinancing | 36 | $4,380,000 | $121,000 | $305,000 | $71,000 | $210,000 |
| Home Improvement | 33 | $1,615,000 | $48,000 | $155,000 | $79,000 | $186,000 |
| Other Purpose | 26 | $1,590,000 | $61,000 | $245,000 | $85,000 | $239,000 |
| Not Applicable | 2 | $20,000 | $10,000 | $15,000 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 345 | $41,585,000 | $120,000 | $485,000 | $76,000 | $450,000 |
| Not Provided | 28 | $2,800,000 | $100,000 | $235,000 | $64,000 | $138,000 |
| Not applicable | 21 | $3,135,000 | $149,000 | $345,000 | $0 | $0 |
| Hispanic | 6 | $920,000 | $153,000 | $385,000 | $90,000 | $255,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $510,000 | $255,000 | $485,000 | $98,000 | $120,000 |
| American Indian or Alaskan Native | 2 | $220,000 | $110,000 | $125,000 | $55,000 | $63,000 |
| Black or African American | 2 | $210,000 | $105,000 | $175,000 | $43,000 | $61,000 |
| Asian | 1 | $115,000 | $115,000 | $115,000 | $48,000 | $48,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 325 | $36,365,000 | $111,000 | $485,000 | $76,000 | $450,000 |
| FHA-insured (Federal Housing Administration) | 58 | $8,100,000 | $139,000 | $295,000 | $61,000 | $138,000 |
| VA-guaranteed (Veterans Administration) | 17 | $3,895,000 | $229,000 | $485,000 | $98,000 | $210,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,240,000 | $155,000 | $225,000 | $77,000 | $109,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 149 | $18,705,000 | $125,000 | $485,000 | $84,000 | $255,000 |
| Application Denied By Financial Institution | 142 | $15,530,000 | $109,000 | $485,000 | $67,000 | $450,000 |
| File Closed For Incompleteness | 47 | $5,095,000 | $108,000 | $345,000 | $60,000 | $110,000 |
| Application Withdrawn By Applicant | 35 | $5,485,000 | $156,000 | $475,000 | $95,000 | $312,000 |
| Loan Purchased By The Institution | 20 | $2,890,000 | $144,000 | $345,000 | $57,000 | $57,000 |
| Application Approved But Not Accepted | 15 | $1,895,000 | $126,000 | $245,000 | $71,000 | $136,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 257 | $32,835,000 | $127,000 | $485,000 | $79,000 | $312,000 |
| Credit History | 68 | $5,870,000 | $86,000 | $275,000 | $71,000 | $387,000 |
| Debt-To-Income Ratio | 46 | $5,710,000 | $124,000 | $375,000 | $58,000 | $177,000 |
| Unverifiable Information | 14 | $1,620,000 | $115,000 | $175,000 | $73,000 | $144,000 |
| Collateral | 11 | $2,065,000 | $187,000 | $485,000 | $101,000 | $450,000 |
| Credit Application Incomplete | 9 | $1,145,000 | $127,000 | $275,000 | $70,000 | $125,000 |
| Other | 2 | $210,000 | $105,000 | $125,000 | $93,000 | $138,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $145,000 | $145,000 | $145,000 | $106,000 | $106,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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